For a one off its cheaper to buy a new dvr as the kit will only reset the recorder if you can prove you own it.
We always put an installer user and password on the recorders when we install them, it makes it easier when we come to service it, if the main user is not there, we dont have to make lots of phone calls to find out what the pw is, and often the customer forgets the pw so we can come and reset it for them, sometimes an employee leaves and he was the only one that new the pw so can we come and reset it. It just makes sooo much sense to have an installer password in the recorder.